Personal Loan

The freedom to purchase what you want

Capitol Federal® lets you have the freedom to purchase what you want with our fixed-rate personal loans. Sometimes life throws you a curveball or hands you an opportunity, and CapFed® loans can help. We offer unsecured personal loans for your convenience.

Use for any purchase – whether it be vacation, an older model car or to consolidate debt.

Personal Loans offer:

Competitive rates

Quick loan decisions

Save an additional 0.25% with an automatic payment from a Capitol Federal checking or savings account

personal unsecured disclaimer

*Interest rates for personal unsecured loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. For a $5,000 loan, 24 monthly payments of $246 would be required.

The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal checking or savings account.

Certain restrictions apply. Loan is subject to a 2 percent origination fee, with a minimum of $25. Borrower is also responsible for other closing costs, which average approximately $3. These costs are added to the loan amount and are not required to be paid out-of pocket.

*Interest rates for personal unsecured loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. For a $5,000 loan, 24 monthly payments of $246 would be required.

The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.

Certain restrictions apply. Loan is subject to a 2 percent origination fee, with a minimum of $25. Borrower is also responsible for other closing costs, which average approximately $4. These costs are added to the loan amount and are not required to be paid out-of pocket.